Finance Strategy • One Simple Session
Don’t Sign a Car Loan You Don’t Fully Understand — Start With a $199 FMYCAR Finance Session.
FMYCAR is your neutral finance advisor. For a one-time fee of $199, you get a 30–40 minute strategy session that walks through how your dealership finance deal is built — price, taxes, fees, trade, APR, term, and protection products — so you know exactly what you’re agreeing to before you sign.
Most people only see the monthly payment. FMYCAR helps you see the whole deal: the total cost, the risk of negative equity, and what you’re actually buying when someone offers a warranty, VSC, GAP, tire & wheel, or “environmental protection” in the finance office.
What You Get in Your $199 FMYCAR Finance Strategy Session
Think of this as a quick course in how dealership financing and F&I really work — applied to your budget, your credit, and your next vehicle.
30–40 Minute 1:1 Finance Session
Live voice or video with a neutral advisor. You walk through your possible deal — price, trade, negative equity, rate, term, and payment — so the structure matches your real life, not just “can you swing this monthly?”
Plain-Language Finance Breakdown
We translate APR, amount financed, total interest, and dealer vs buy rate into normal language so you understand what’s fixed, what’s negotiable, and what to question.
Payment & Total Cost Comparison Worksheet
You get a simple tool to compare 60 vs 72 vs 84 months, more vs less money down, and dealer financing vs your bank or credit union — using total cost, not just the monthly.
Written Finance Summary & Question List
You leave with a concise summary of your guardrails plus questions and phrases you can use with any dealer or lender to keep the finance terms aligned with what you agreed with yourself first.
Most finance regrets come from the details: total cost, negative equity, and add-ons that quietly raise the loan. This session is built to prevent those surprises, not just lower the payment today.
Why Talk to FMYCAR Before You Sit in the Finance Office
Most dealership finance conversations are built around one question: “What do you want your payment to be?” FMYCAR exists so you understand everything hiding behind that number.
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You see how the loan is actually built. We walk through price, taxes, fees, trade value, negative equity, rate, and term so you know what’s locked in, what can move, and what’s a red flag.
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You match the loan to your real life, not a guess. Your advisor helps you align term, payment, and payoff timeline with how you actually live and plan — not just “stretch it to make it fit” in the moment.
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You understand the F&I menu before anyone pitches it. Extended warranty, VSC, GAP, tire & wheel, environmental/appearance packages, key replacement, and more — we explain what each one really does, when it might help, and when it might just pad the payment.
The goal isn’t to scare you away from financing at a dealership. It’s to help you sign a loan that still feels smart halfway through the term — not just the day you drive off the lot.
Who the $199 Finance Session Is Perfect For
This is for people who want their loan to fit their life — not just a payment that looks okay on paper today.
If you’re thinking, “I just want to know what I’m really getting into,” this session is built to give you that clarity before you put pen to paper on a car loan.
The next time someone slides a finance quote across the desk, you should already know whether it fits your life. That’s what this $199 session is for.
Schedule Your $199 Finance Strategy Session
Choose a time that works for you. This appointment is focused on one thing: making sure the loan you sign is one you’ll still feel good about a few years from now, not just the day you drive off the lot.
The $199 fee is charged at booking or in a follow-up confirmation. It covers your advisor’s time, the prep work on your situation, and the follow-up materials summarizing your plan. Understanding one finance deal fully is worth more than signing three you regret.
Questions About the $199 Finance Session
Here are some of the most common questions people ask before they book a finance strategy call with FMYCAR.
What if I don’t have a written finance quote yet? +
That’s okay. We can talk through your budget, credit, trade situation, and plans first, then give you a checklist of what to ask for when you do request finance quotes.
What if I already signed a loan? +
This session is designed for pre-finance planning, but it can still help you understand your current deal, your payoff options, and how to approach your next purchase more strategically.
Will the dealer know I’m working with FMYCAR? +
That’s up to you. Some people like to mention it because it signals that someone is helping them review the structure. Others prefer to keep it in the background. Either way, the decision is yours.
Do you recommend specific lenders or protection products? +
Our bias is toward clarity, not a specific lender or product. We help you see how different offers and protections compare so you can choose what fits your situation best.